NJ Insurance Plans - Mike Sheeran, CFP

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Medigap Plans New Jersey – New Jersey Medicare Supplement Options

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This will be a resource post to New Jersey residents that are shopping for a Medigap Plan in NJ. These plans are also referred to as Medicare Supplement plans in NJ.

 

If you already know what a Medigap Plan is, feel free to skip ahead to the section on the rates for Medigap Plans in New Jersey

The fastest way to get the information you need is to go ahead and send me a quote request. I usually can respond within the hour or will get to you as soon as I can. Quotes are always free and I’m happy to give you my opinion on all the Medigap plans. 

What is a Medigap policy?

A Medigap policy (also called “Medicare Supplement Insurance”) is private health insurance that’s designed to supplement Original Medicare. This means it helps pay some of the health care costs (“gaps”) that Original Medicare doesn’t cover (like copayments, coinsurance, and deductibles). If you have Original Medicare and a Medigap policy, Medicare will pay its share of the Medicare approved amounts for covered health care costs. Then your Medigap policy pays its share. A Medigap policy is different from a Medicare Advantage Plan (like an HMO or PPO) because those plans are ways to get Medicare benefits, while a Medigap policy only supplements your Original Medicare benefits. Note: Medicare doesn’t pay any of the costs for you to get a Medigap policy. Every Medigap policy must follow Federal and state laws designed to protect you, and the policy must be clearly identified as “Medicare Supplement Insurance.” Medigap insurance companies in most states can only sell you a “standardized” Medigap policy identified by letters A through N. Each standardized Medigap policy must offer the same basic benefits, no matter which insurance company sells it. Cost is usually the only difference between Medigap policies with the same letter sold by different insurance companies.

What do each of the different Medigap Plans in New Jersey Cover?

New Jersey Medigap Coverage Chart

See chart

Medigap NJ Chart

 

What is the best Medigap Policy to Buy in New Jersey?

Most people will purchase either Plan F, Plan G or Plan N.

Plan F: Plan F will cover all of your expenses except for prescriptions 100%. It is the easiest plan to work with because you will never have to pay a copay or worry about a bill. This means it is also the most expensive plan.

Plan G:  Plan G is identical to Plan F except you need to pay your annual Part B deductible. in 2016, the Part B deductible is $162. Once you meet that deductible, this plan will work exactly like Plan F with everything covered 100%. You can typically expect to spend about $20 less per month compared to Plan F. You will save roughly $240 and only need to pay your deductible.

Plan N: The lowest plan we usually look at is Plan N and will fall right around $40-$50 less per month than Plan F. Just like Plan G, you will need to pay your Part B deductible and then also once that is met, you will need to pay a copay of $20 at your doctor. For emergency rooms, you have a $50 copay. One last thing to note is that Plan N does not cover excess charges. Excess charges can happen if your provider does not accept Medicare assignment and it gives them the right to bill you a little extra. It is 15% above what Medicare would allow for that expense.

Which is Best?

I personally would choose Plan G, followed by Plan N and lastly Plan F.

From what I have seen for at least the five years, Plan G has much lower increases over time when compared to Plan F. You are also guaranteed to save in premium when compared to Plan F. Since plan G can only be purchased by those that are in their initial enrollment or can medically qualify, it has a healthier pool of people and thus has lower claims over time keeping the prices more stable.

 

Best Medicare Supplement for Couples

There are a few companies in NJ that offer discounts for spouses and even for people that are in the same household. My favorites are Aetna and Mutual of Omaha. If you are turning 65 and your spouse isn’t too far behind, I would look at one of these companies first. When you add in the discounts of up to 7%, it brings the prices down and puts them at the top of the list for best pricing.

 

Best Medicare Supplement Company in NJ

I often get asked which company is the best and ultimately the company doesn’t matter a whole lot. I would personally pick one of the top three for pricing, look at how recently their rates changed and factor in a few other options. I would not put any weight in the company name. AARP, Horizon and others are well known but they will not process your claim any differently than a no name company. Those two may still be your best choice at the time of enrolling, but I wouldn’t seek out anyone in particular with the exception of the companies that have the spousal/household discounts. The great thing about Medicare Supplements is that they are very easy for consumers to use. I have never received a service call for a plan from any company we sell. They are very easy.

 

What insurance companies sell Medigap Plans in New Jersey? And how much do the Medigap plans in NJ cost?

Please reach out to me with the contact form on the right for up to date quotes.

2015 NJ Medigap Plans and Rates

*If older than 65 please contact me for a quote on your medicare supplement

1) NJ Medigap Female Non Tobacco Rates

2)NJ Medigap Female Tobacco Rates

3)NJ Medigap Male Non Tobacco Rates

4)NJ Medigap Male Tobacco Rates

Keep in mind that the tobacco rates are only applied if you are not in a guaranteed issued period. If you are 65 then this is likely the case.

 

 

Amerihealth NJ Medigap

Amerihealth Medigap plans were new for this year so I didn’t have a chance to work them into the intial post. Please reach out to me for a quote. They are in the top for best prices and are the only company I know of that offer a gym reimbursement and some other great benefits. Amerihealth is a subsidiary of Independence Blue Cross out of Pennsylvania and have been offering great group and individual plans for years.

These are rates from the past.

Please contact me or the insurance company for most up to date quote and the Medigap quote for your specific age. I will also assist in comparing each of the plans.

 

Medicare Supplement Frequently Asked Questions

  1. Do I need referrals?
    1. No. All Medigap plans are no referral
  2. Do I need to use certain doctors and do I need to make sure my doctor takes my Medigap plan?
    1. No. The only thing your doctor needs to know is that you have Original Medicare. That is your network. The supplement company, regardless of who it is, will pay the claim automatically if Medicare pays. If Medicare denies the claim, they will follow suit.
  3. How much do these plans go up every year?
    1. We usually see somewhere around 4% but Plan G has been 0% pretty often. There is a base rate that changes as you get older.
  4. Does Medicare and Medigap cover dental?
    1. No unfortunately not unless it is something medical in nature.
  5. When I do need to sign up?
    1. You can get onto a Medigap plan 3 months prior to your enrolling in Part B and 3 months after with no medical questions. You can change your plan anytime after that but you will need to go through medical underwriting.
  6. I’ve had the same plan for a while and its getting expensive, can I switch plans?
    1. Yes, just ask me for a quote and we will see what looks best. You will need to medically qualify and once you are accepted, you will cancel your old plan. Its a very easy process and most people can qualify.
  7. What if I apply for a plan with underwriting and I get denied?
    1. If you already have a plan, they can’t cancel that based on your current medical status. Other than that, nothing will happen.
  8. What if buy a plan in NJ and I move to another state?
    1. Depending on the company, they will transition you to your new state’s rates. Not all companies operate in every state though so you may keep the same rates.
  9. Do these plans cover prescriptions?
    1. Nope. Some prescriptions are covered under Part B, but you will need to purchase a Part D plan and I can help you with that.
  10. I’ve had Part B for a while but was covered under a group plan through my employer or my spouses, now what?
    1. You have 63 days to purchase a plan with no medical underwriting. The carriers restrict the plan though and you can get Plan F with no medical questions. If can move quickly, I would apply for Plan G with the best company and if you can’t qualify, then do Plan F.
  11. I thought Obamacare said an insurance company can’t deny coverage based on your health?
    1. You are correct, but these don’t follow those new affordable care act guidelines.
  12. I have Medicare Advantage now, but want a supplement?
    1. About two to three months before January 1, we will want to try and get you qualified for a supplement plan. If you are accepted, we will have the plan start January 1st. We will then enroll you in standalone Part D plan for January 1. That new Part D enrollment will terminate your Medicare Advantage plan.
  13. Can I pay for supplement through my social security?
    1. Unfortunately not. Most companies will require auto pay through your checking account if you pay monthly. If that is not ok, you can pay quarterly or we will put you with a company that allows paying monthly by check ( Amerihealth ideally or AARP)
  14. How long will it take to get my cards?
    1. Each company is a little different but for Aetna has been the fastest and will approve you in 24-48 hours with cards issued shortly thereafter. If you need to go through underwriting, it can take a few weeks.
  15. What else do I need?
    1. If you don’t have any money set aside for final expenses or wish to leave money to charity, let me know and we can quote a final expense life insurance policy or something that will fit your needs. There are plans that have no medical questions so its very easy to get started. You can get these plans any time but the sooner the better since the prices go up quite a bit as you get older and into your 70’s or early 80’s.
  16. Why would I go with you and not some other broker or direct to the company?
    1. I don’t think I’m better than anyone out there, but I promise to give you my best and will make sure you understand the process and exactly what you are buying. My goal is to answer everything upfront so you are completely comfortable with your decision.  I know when I am buying something new, I am uneasy about the unknown. When I work with you, I take that into consideration and map the whole thing out for you so that you can put your mind at ease. My prices will be identical to other brokers and the companies direct so I try to make your buying experience as easy as possible. I do face to face meetings, online enrollments, fax, webinars, regular mail or will work with you however it fits into your schedule.

 

Medicare Supplement Resources

Medicare Supplement Guide 2015

 

 

Network Review of Horizon BCBS vs. Amerihealth vs. Health Republic

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NJ Health Insurance Exchange Network Review of Horizon BCBS vs. Amerihealth vs. Health Republic.- NJ

Reviewing the different plan options on the NJ Health Insurance Exchange can be difficult and the HealthCare.Gov website doesn’t always provide all of the details so today I’m going to go over the networks for each of the carriers.

 

In this video, I will specifically cover the networks for Amerihealth, Horizon BCBS and Health Republic.

NJ Health Insurance Carrier Options on the exchange

Amerihealth

  • Regional Preferred – this is their standard network that they have always used. Includes of NJ and a good part of the Pennsylvania counties near Philadelphia. The Amerihealth Regional Preferred Network includes all of New Jersey and the following Pennsylvania counties: Northampton, Lehigh, Bucks, Berks, Montgomery, Philadelphi, Delaware, Chester and Lancaster.
  • Value Network – this is a subset of the Regional Preferred and includes roughly 79% of their larger Regional Preferred. Please note that the only Philadelphia hospital as of today that in that network is Childrens Hospital(CHOP)
  • Tier 1 Advantage – Tier 1 breaks down the Value Network even further. You will pay lower out of pocket for Tier 1 hospitals compared to Tier 2
  • National – This is the only National Network available from the individual carriers. Amerihealth uses the Multiplan network. The national option is only available on their POS+ plans. While you are in the Regional Preferred Service area, you must use that network. So for example, if your provider in Philadelphia does not accept Amerihealth but they are in the Multiplan network, that provider would be considered out of network. If you were in a county outside of that Regional Preferred network and they took Multiplan, you would be ok.
  • See my sheet for looking up physicians in the Amerihealth Regional Preferred and PHCS network

Amerihealth Local Value Hospitals

Multiplan National

Health Republic

Health Republic uses the Qualcare HMO network and includes hospitals in NJ, PA and even Sloan Kettering in New York. They look to be a strong competitor network wise.

 

Health Republic Hospital Network

 

Updated 2015 Information for Health Republic

Health Republic will only be offering no-referral plans for 2015 so this is great for consumers. They will continue to use the Qualcare network in New Jersey and then the expanded PHCS Network when outside of NJ.

Please see some of their marketing materials below including

1)Health Republic 2015 Individual Enrollment Kit– this is to enroll off the exchange, so if you would like to do so, please reach out to me with the application so it can be submitted.

2)Health Republic Network PHCS Flyer

3)Health Republic Vaccine sheet

4)Health Republic Benefit Highlights Flyer[schema type=”product” name=”Health Republic Individual Health Insurance” ]

 

Horizon Blue Cross Blue Shield of NJ

  • Advantage – these plans use the Managed Care network – this is the same as you have always had if you used their HMO, POS options
  • Omnia – The Omnia plans are new for 2016 and you can see my write up here. Horizon BCBS Omnia Review

Horizon BCBS Hospital List

 

New Jersey Insurance Exchange – Network Review of Horizon BCBS vs Amerihealth and Health Republic

Read more about the comparison of these plans and other NJ IHC plans here.

Medicare Supplement Plan G

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Cheapest Medicare Supplement Plan G  in NJ

Medicare Plan G is my number one choice for a Medigap Plan in NJ. We sell the most of the Medigap Plan F but that is because a lot of people feel most at ease with that plan.

 

Medigap chart plan f vs plan G

 

 

Medicare Supplement Plan G Benefits

As you can see in the chart above, Plan G is identical to Plan F except that you have to pay your $162 Part B deductible.  After that, everything is covered 100%.

 

Plan G Rates for Female Age 65 Absecon, NJ 08201

cheapest medigap plan g in nj for female age 65

 

 

 

 

 

 

 

Plan G Rates for Male Age 65 Absecon, NJ 08201

cheapest medigap plan g for male age 65 in south jersey

 

 

 

 

 

 

 

 

 

Like all of the supplement plans, Plan G is portable so you can take it with you throughout the country. Also since Plan G picks up excess charges, there is no worry about your physician accepting Medicare assignment. In addition, Plan G also has some limited Foreign Travel Emergency Benefits.

 

Medicare Supplement Plan G vs Plan F

Many people buy Plan F thinking it is the best option. In many ways it is but Plan G is usually the best buy when comparing the two. As long as the annual premium for Plan G is at least $140 less than the cheapest Plan F, I would buy G every time.

Another thing to consider is that there is a lot of adverse selection in Plan F. That plan tends to draw in people that have higher claims on average so the pool of individuals will tend to have higher rate increases over time. You can potentially sidestep some of that adverse selection by taking Plan G instead.

 

Medicare Supplement Plan G Drawbacks

Since Plan G is one of the best options, it is also the second most expensive. Before purchasing this plan you must be prepared to pay increasing prices as you get older. These plans are medically underwritten when you are out of your guaranteed issue period so there is the possibility that you won’t qualify for other coverage later if you find you can’t afford this plan.

If you are coming from a group plan and you are offered guaranteed issue rights, Part G isn’t part of that offer. You can only get Plan F. My suggestion to most people, is to apply for Plan G right away and go through medical underwriting. If you qualify, you are all set, but if you can’t then you still have time to purchase F before your guarantee period expires.

 Comparing Plan G to Plan N

When I run quotes for Medicare beneficiaries, I will usually also show Plan N to compare everything out. Plan N will be a bit cheaper than Plan G so is a good option but it does have some notable differences. Just like G, you need to pay your upfront Part B deductible, but then instead of your physician visits being covered 100%, you will pay a $20 copay. At the urgent care or emergency room, you will pay $50.

The last notable difference is that Plan N, you are not covered for excess charges. Excess charges don’t happen very often but if your provider doesn’t accept Medicare assignment, they are within their right to charge an additional 15% over the Medicare allowable amount. Again this doesn’t come up very often, but it does from time to time.

If you don’t mind the possibility of the excess charges or the copays here and there, I would also take a long look at Plan N. Either of the two plans will serve you well over time.

 

Insurance Companies selling Plan G in New Jersey

Here is my list as of 3/1/2016 from the New Jersey State Health Insurance Plan site. (NJ SHIP)

  • Aetna
  • American Progressive
  • Americo
  • Bankers Life
  • CSI
  • Colonial Penn
  • Combined
  • Genworth
  • Gerber Life
  • Horizon BCBS
  • IAC
  • Loyal American
  • Manhattan Life
  • Shenandoah Life
  • Sterling Life
  • United of Omaha

Of the list above, some of my favorites are Aetna and United of Omaha because they are very fast to issue policies, have some of the best rates, offer spousal discounts and are very easy to work with.

 

 

Request More Information On Medicare Supplement Plan G

If you are interested in Plan G, I would love the opportunity to earn your business. Please contact me for your:

Medicare Supplement Plan G Quote

Read more about NJ Medicare Supplement Plans

 

Medicare Supplement Quotes In NJ – Shopping Tips

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Medicare Supplement Quotes should be easy to get, but sometimes your head can spin with all of the different options. New Jersey has eleven companies that sell Medicare Supplements so I’d like to share some tips on getting  the best plan.

 

Medicare Supplement Quotes– Step 1 – Brief Review

Evaluate your options. The State of NJ has put together some nice resources and I also have put together some of my own. You can read about Medicare Supplement Plan F,  and Medicare Supplement Plan G here.

The plans I think you should focus your time on are Medigap Plan F, Medigap Plan G, Medigap Plan N and Medigap Plan F High Deductible.  Take a look at the chart below to get a feel for what each plan will cover.

medicare supplement

Medicare Supplement Quotes – Step 2 – Get Quotes

Now that you have a feel for what plan you may want to consider, it is time to start getting some quotes.

You can get Medicare Supplement Quotes from me by using my online request or calling me directly at Glenn Insurance at 609-641-3000.

You can also contact the insurance companies directly or use the local insurance agent that you are comfortable with.

If you are doing most of your research online, try to only send your information to insurance agencies and not “quote farms”. Some sites will take your contact information and sell it to many agents so that they may contact you.  (My site does not and will never do this).

Medicare Supplement Quotes – Step 3 – Analyze and Purchase

You have now done your review in step 1, gotten your Medicare Supplement Quotes in step 2 and now are ready to buy.

I like to compare each of the plans by making a spreadsheet and compare the prices between all of the plans and also take into consideration the company I am dealing with.

Some things to consider before buying:

  1. What is the reputation of the company I am looking at?
  2. Does my local agent work with them? If that matters to you.
  3. Who will I turn to for help if and when needed? Company directly or my agent?
  4. Do they offer discounts for spouses who purchase together or for other reasons?
  5. Do they have a history of high rate increases?
  6. Do they use medical underwriting and will I be able to get a policy approved?
  7. If I am choosing Plan F or Plan G, will I be able to afford the premiums in the future?

Go through your review and buy your plan. If you have followed the three steps, you will have made a sold choice for your Medicare Supplement Plan.

 

I would love the opportunity to earn your business.

Please contact me for your Medicare Supplement Quote.  609-641-3000

Read more about NJ Medigap Plans Here.

Review of Horizon BCBSNJ Omnia – Everything you need to know about Omnia Plans

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omnia alliance logo

Horizon OMNIA Plans

Horizon Blue Cross released their new set of plans as of January 1, 2016 and they have created a ton of press, both good and bad. I won’t go over the criticisms of the plan, but I will cover what patients and business owners need to know before enrolling in one of the Horizon BCBS Omnia plans.

*The short summary is that these are great plans that everyone should look at to save money in premiums and out of pocket costs at their providers.

Horizon BCBS Omnia Explained

Blue Cross released these plans with their major goal of providing some lower priced plans for consumers and encouraging quality of care with financial incentives to your doctors. They hand selected certain providers that have proven success of providing good low cost care and other metrics they decided were important. Some of the goals that were established were; lowering re-admissions to the hospital, infections and other costly issues that can arise through normal course of care. So if you needed surgery and have to be readmitted to the hospital in a month because of complications, the provider would not get any incentives for that. If your doctor does the perfect job every time with no infections, no re-admissions etc.. that provider would receive a financial bonus. Its good for you and the doctors. (As an aside, you would think that would be the goal anyway but…. that’s a story for another day)

Omnia Network

The Horizion Omnia network continues to be confusing to people and I can certainly understand why. All of the literature that Horizon has put out is basically just patting themselves on the back for their great new product and how great the hospitals are and other things that don’t really help with understanding the plan.

The hospitals in the Omnia plans are IDENTICAL to the normal Horizon Managed care network. So if you had HMO, Advantage, POS or EPO, your hospitals have not changed… What has changed is what Tier structure those hospitals fall into. The Omnia plans use a Tier structure so you pay less at Tier 1 providers than you would at Tier 2.. If your provider is Tier 2, you can still visit those doctors but it will be higher cost.

Horizon BCBS List of Tier 1 and Tier 2 Hospitals

Depending on if you are in a small group plan or large group, the Tiers will be slightly different. In South Jersey, there is a large difference. Atlanticare is Tier 1 for Midsize market and Tier 2 for small group. Shore Memorial hospital is Tier 1 for small group and Tier 2 for midsize.

Find your doctor:

Go to HorizonBlue.com and use their provider finder.[/vc_column_text][/vc_column][/vc_row][vc_row type=”in_container” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ width=”1/2″][image_with_animation image_url=”2693″ alignment=”” animation=”Fade In”][/vc_column][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ width=”1/2″][image_with_animation image_url=”2694″ alignment=”” animation=”Fade In”][/vc_column][/vc_row][vc_row type=”in_container” scene_position=”center” text_color=”dark” text_align=”left” overlay_strength=”0.3″][vc_column column_padding=”no-extra-padding” column_padding_position=”all” background_color_opacity=”1″ background_hover_color_opacity=”1″ width=”1/1″][vc_column_text]When you are doing your search, make sure you select the plan that you have in the drop down list.

Midsize and Large Group:

Select: Omnia

Small Group and Individual:

Select Omnia Silver, Omnia Bronze etc…

Omnia Deductible and Max Out of Pocket

With the exception of the Bronze and H.S.A, the Omnia plans do not have deductibles for Tier 1 providers. You will also notice that there are different maximum out of pockets listed for each Tier.

If you see a Tier 1 provider, that service will accumulate towards your Tier 1 Max and deductible if it applies. Those costs will also cross accumulate to your Tier 2 max.

If you see a a Tier 2 provider, those costs ONLY count towards Tier 2.. They do not cross accumulate back to Tier 1.

Omnia Plan Options

Omnia Frequently Asked Questions – FAQ

  1. Do I need to select a primary care doctor?
    1. Nope, although you will pay the lower copay.
  2. Do I need referrals?
    1. No, they are all no referral plans
  3. Can I go out of network?
    1. No, this is in network only unless it is an emergency
  4. How are prescriptions covered?
    1. Prescriptions are all Tier 1
  5. How is urgent care covered?
    1. From what I have seen, all urgent care centers are Tier 1 for 2016. Even if the hospital is Tier 2..
  6. Do I get BlueCard nationwide access?
    1. The midsize plans do have BlueCard attached, but the small group and individual plans do not.
  7. My doctor says they don’t take Omnia, now what?
    1. Double check this.. Many people think that if the provider is not Tier 1, they aren’t part of the network. This is not true.  Always double check with the website and ask for clarification. Get help from your broker with this.
  8. How is it fair that Horizon can pick and choose the Tier 1 hospitals?
    1. This is one of the criticisms on the plans and we will see what happens. There are many people fighting this.
  9. What if Horizon is told they can’t sell these plans anymore because it is not fair in how they selected their providers?
    1. If this does happen, Horizon will likely change the plans at renewal and you will need to select a new plan. Not much different than what they have been doing.
  10. I’m interested in learning more, what do I need to do?
    1. You can reach out to me anytime and I will review the plans and prices with you.
  11. What is the best Omnia Plan?
    1. I’m going to ignore the benefits and base my decision on the best value. Of all the plans I’ve reviewed, I like the H.S.A option and is what I personally own. The out of pocket limit is much lower than the other plans for their Tier 1 providers at $3500 annually.

Best NJ Dental Plan for Individuals and Families

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Security Life of Denver – Best Individual Dental Plans for NJ

Finding a good dental plan in New Jersey has been almost impossible up to this point for individuals and families. Yes there is the very basic Centurion Plan from Horizon and their Individual Dental Plan but they are really just ok at best. They are more along the lines of discount dental plans and not something like you would find at your employer.

security life of denver best NJ Individual Dental plan

Not only that, you can also purchase an Individual Vision Plan that uses the VSP Network.. Start with a quote by clicking the image above.

 

How the Security Life Dental Plan works in New Jersey

 

Plan Options

1) Essential Plan – the essential plan is basic coverage with no network restrictions. Its an indemnity plan so you can use it wherever you choose. The benefits are limited to $500 annually but your cleanings are covered 100% and Basic Coverage (fillings/x-rays) are covered at 80%. They pay 80% and you pay the remaining 20%. There is no coverage for major services on this plan.

Security Life Essential Indemnity Plan

 

 

2) Advantage Plus

The Advantage Plus plan uses the Maximum Care network so you will get the most benefit by staying in that network. In fact, if you can’t find a dentist in the network, I wouldn’t recommend the plan anyway so make sure you check that network link out.

Moving on..

What makes this plan great and the best NJ Individual Dental Plan is that the benefits are very similar to group dental plans. It offers 100% coverage for basic, and then then benefits for Basic and Major are enhanced each year as long as you keep the plan. It starts out with an annual $1,000 maximum but you can increase that amount to $2,000 by buying up.  Check out the full benefits below but in my opinion, this is the best plan I’ve seen that isn’t part of an employer based plan.

Security Life Advantage Plus Individual Dental Plan NJ

 

 

Limitations

Ok nothing is perfect. The plan does have some limitations just like any dental plan.

1)Network – make sure your dentist takes it before purchasing the plan.

2)Benefit scales up as you go – If you only want the plan for a year, the benefits aren’t as attractive on the Advantage Plus plan. It gets better after year one as they enhance the benefit.

3)This is just a general limitation on all dental plans.. I get a lot of calls from people who want 100% coverage on day 1 for all their dental ailments. There is no such thing. This is because people wait until the last second to buy their insurance and then expect the insurance company to pay their $1,000 Crown and after which the person will cancel the plan.. Because of this, they uses benefit that increases over time because from a business perspective, they can’t just collect a month of premium and then pay $1,000 only for you to leave the plan a month later. Anyway, read through the benefits on their site..

 

How to enroll in the Security Life Dental Plan for NJ

If you think this is a good plan for you, and enroll through my link below, I am compensated by Security Life. The price is the same whether it is through me or through any other agent or even direct with the company so that is up to you on how to enroll. 

They only do online enrollment which is great and means no paper forms to fill out!! They allow you to enroll any day of the month and the process seems easy and very straightforward.

If you have any questions, you can always contact me at [email protected] and if you want to enroll please use my link below.

security life of denver best NJ Individual Dental plan

 

Read about more dental plans in NJ here.